Yeah good point, I’ll try to figure out something less rough.
The main source of inaccuracy is that I’m not sure what the right counterfactual is for someone doing a Wave payment. It’s probably some proportion of each of: not doing the transfer at all, using some informal method, and using our main comptetitor. For simplicity in my estimate I just assumed that all transfers would have been done using our competitor.
Yeah good point, I’ll try to figure out something less rough.
The main source of inaccuracy is that I’m not sure what the right counterfactual is for someone doing a Wave payment. It’s probably some proportion of each of: not doing the transfer at all, using some informal method, and using our main comptetitor. For simplicity in my estimate I just assumed that all transfers would have been done using our competitor.